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State Farm, USAA, and American Family rank among Colorado's most affordable car insurance providers.
Colorado drivers typically pay $228 monthly for comprehensive coverage, compared to the national average of $186. Your actual premium depends on a range of factors, including age, driving history, and where you live in the state. Getting quotes from several insurance companies is the best way to find a rate and coverage that works for you.
Affordable full coverage car insurance in Colorado
Colorado residents spend an average of $228 per month for comprehensive insurance coverage, while nationally drivers pay $186. Among Colorado's cheapest car insurance providers, State Farm, USAA, and American Family consistently offer competitive rates.
| Average monthly full coverage cost | |
| Colorado average | $228 |
| National average | $186 |
| State Farm | $122 |
| USAA | $157 |
| American Family | $169 |
| Progressive | $162 |
Affordable liability-only car insurance in Colorado
State Farm, Progressive, and Sun Coast stand out among the most affordable liability car insurance providers in Colorado.
Colorado drivers pay $109 monthly on average for liability-only protection, compared to the nationwide average of $104.
| Average monthly liability-only cost | |
| Colorado average | $109 |
| National average | $104 |
| State Farm | $76 |
| Progressive | $78 |
| Sun Coast | $88 |
| Root | $89 |
Cheap car insurance in Colorado by age
Age significantly impacts insurance costs. Car insurance for teens tends to be the most expensive due to their inexperience behind the wheel, with Colorado policies averaging $408 monthly for full coverage.
Premiums drop considerably as drivers enter their 20s, averaging $291 per month for full coverage. This downward trend continues through the 30s and 40s, with monthly costs around $245 and $234, respectively.
Rates can increase again for older drivers. Colorado seniors typically pay $187 monthly for full coverage in their 60s and $186 in their 70s.
These age-related premium variations reflect insurers' risk assessments, with younger drivers considered higher risk and older drivers sometimes facing increased rates due to health considerations and changing driving behavior.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $408 | $194 |
| 20s | $291 | $138 |
| 30s | $245 | $117 |
| 40s | $234 | $111 |
| 50s | $215 | $102 |
| 60s | $187 | $89 |
| 70s | $186 | $88 |
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Cheap car insurance in Colorado for high-risk drivers
Drivers with violations on their records face higher insurance costs. Below are Colorado's average premiums for drivers with accidents, speeding tickets, and DUI convictions, based on rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $276 | $131 |
| Speeding ticket | $277 | $132 |
| DUI | $368 | $175 |
Compare low-cost car insurance after an accident
Following an accident, State Farm, USAA, and American Family provide Colorado's most competitive car insurance rates. Drivers with accident histories pay an average of $276 monthly for comprehensive coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $151 | $94 |
| USAA | $196 | $122 |
| American Family | $211 | $131 |
Average rate:
Compare low-cost car insurance after a speeding ticket
For Colorado drivers with speeding violations, State Farm, USAA, and American Family offer the most affordable options. Drivers with speeding tickets typically pay $277 monthly for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $149 | $93 |
| USAA | $194 | $121 |
| American Family | $210 | $130 |
Compare low-cost car insurance after DUI conviction
Colorado drivers with DUI convictions will find affordable comprehensive coverage through State Farm, USAA, and American Family. Those with DUI records face average monthly premiums of $368 for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $190 | $118 |
| USAA | $245 | $152 |
| American Family | $262 | $162 |
Cheap car insurance in Colorado by credit score
Credit scores significantly influence insurance premiums in Colorado. Drivers with excellent credit typically pay $209 monthly for full coverage. Those with poor credit face substantially higher costs, with monthly premiums averaging $285.
This difference in rates reflects how insurers assess financial responsibility, with lower credit scores often correlating with increased premium costs due to perceived risk factors.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $209 | $100 |
| Good | $226 | $107 |
| Average | $237 | $113 |
| Poor | $285 | $136 |
FAQs
What is the minimum car insurance required in Colorado?
Colorado requires $25,000 per person and $50,000 per accident for bodily injury liability, plus $15,000 for property damage liability. Additionally, insurers must offer uninsured motorist coverage at the same limits, though you can reject it in writing.
Is Colorado a no-fault or at-fault state for car insurance?
Colorado is an at-fault state, having changed from being a no-fault state in 2003. This means the driver who causes an accident is responsible for paying damages through their insurance coverage. If you're not at fault, you can file a claim with the other driver's insurance company, your own insurance company, or pursue a personal injury lawsuit against the at-fault driver.
What happens if I drive without insurance in Colorado?
Driving without insurance in Colorado can result in a minimum $500 fine, four points on your driving record, possible community service, and possible license suspension for a first offense. You must carry proof of insurance at all times and present it to law enforcement upon request.
Bottom line
Even though these insurers rank among Colorado's most affordable options, they may not offer the lowest rates for your specific situation. Obtaining quotes from the best car insurance companies and comparing them based on both cost and service quality remains the most effective approach to finding the right coverage for your needs.
Data throughout provided by Insurify.
Average rate:
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